When lenders calculate your DTI and your owned properties are breaking around even or a little cash positive from rents, do they basically look at those as no debt or even positive income to keep giving you more loans?

We offer it at TFSB but it does require the basics like qualified credit score, DTI ratios - Must have W2 or (2 years of 1099 income) to qualify.

Overall we have just a basic idea of how their algorithm works.

I basically just told them when they moved in that any drama that may arise from them sharing the house is between them and has nothing to do with me (as long as the house/people aren't being physically harmed).If you do end up renting to veterans I think your best bet to ensure everyone gets along is to just make one lease for all 4 bedrooms.

That basically meets the 1% rule.

Anybody here that reserves a townhouse In Palm Bay with D32 Invest builder in Florida for about a year and then they jack up the price by 25% basically taking away all the appreciation?

Its the "blocking and tackling" and going with the basics that keep you out of 90% of the problems that we see people have.

I started my OOS HML  career in Detroit and that was 2002 and WOW coming from our area what an education I got.. my clients that were doing turnkey at the time and all the buyers were out of state ( basically LA based) the local on the ground operator was very good he had all sorts of tricks to try to keep the houses safe.. the one i really liked was painting the copper pipes grey so thieves would not steal them..

The net result is basically the same, but it keeps the two properties separate from a lenders perspective.Any low down payment money, particularly on an investment property, is going to come from a private money lender.  

Some of us are business minded and strive to add value beyond basic compliance and planning (which it doesn't even sound like you're getting planning here).